U.S. patent application number 17/080212 was filed with the patent office on 2022-04-28 for system, method, and computer program product for a contactless atm experience.
The applicant listed for this patent is Visa International Service Association. Invention is credited to Praveen Kumar Suresh Guggarigoudar, Vahini Mohan.
Application Number | 20220129872 17/080212 |
Document ID | / |
Family ID | |
Filed Date | 2022-04-28 |
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United States Patent
Application |
20220129872 |
Kind Code |
A1 |
Guggarigoudar; Praveen Kumar Suresh
; et al. |
April 28, 2022 |
System, Method, and Computer Program Product for a Contactless ATM
Experience
Abstract
Systems, methods, and computer program products for a
contactless automated teller machine (ATM) experience receive, from
a telephone number, a first short message service (SMS) message
including a unique identifier associated with an ATM terminal; in
response to receiving the first SMS message, communicate, to the
ATM terminal, a first password associated with the telephone number
and the unique identifier; receive, from the telephone number, a
second SMS message including the first password; verify the first
password; in response to verifying the first password, transmit, to
the telephone number, a third SMS message including an option to
withdraw cash from the ATM terminal; receive, from the telephone
number, a fourth SMS message including a selection of the option to
withdraw the cash from the ATM terminal; and communicate, to the
ATM terminal, a cash dispense command that causes the ATM terminal
to dispense the cash.
Inventors: |
Guggarigoudar; Praveen Kumar
Suresh; (Cedar Park, TX) ; Mohan; Vahini;
(Austin, TX) |
|
Applicant: |
Name |
City |
State |
Country |
Type |
Visa International Service Association |
San Francisco |
CA |
US |
|
|
Appl. No.: |
17/080212 |
Filed: |
October 26, 2020 |
International
Class: |
G06Q 20/10 20060101
G06Q020/10; G06Q 20/40 20060101 G06Q020/40; G06Q 20/32 20060101
G06Q020/32 |
Claims
1. A computer-implemented method comprising: receiving, with at
least one processor of a service system, from a user device
associated with a telephone number, a first short message service
(SMS) message including a unique identifier associated with an
automated teller machine (ATM) terminal; in response to receiving
the first SMS message, communicating, with the at least one
processor of the service system, to the ATM terminal, a first
password associated with the telephone number and the unique
identifier; receiving, with the at least one processor of the
service system, from the user device associated with the telephone
number, a second SMS message including the first password;
verifying, with the at least one processor of the service system,
that the first password included in the second SMS message
corresponds to the first password associated with the telephone
number and the unique identifier; based on verifying the first
password, transmitting, with the at least one processor of the
service system, to the user device associated with the telephone
number, a third SMS message including an option to withdraw cash
from the ATM terminal; receiving, with the at least one processor
of the service system, from the user device associated with the
telephone number, a fourth SMS message including a selection of the
option to withdraw the cash from the ATM terminal; and
communicating, with the at least one processor of the service
system, to the ATM terminal, a cash dispense command, wherein the
cash dispense command causes the ATM terminal to dispense the cash
for collection at the ATM terminal.
2. The computer-implemented method of claim 1, wherein the first
password includes a one-time password.
3. The computer-implemented method of claim 1, further comprising:
in response to verifying the first password, and before
transmitting the third SMS message: transmitting, with the at least
one processor of the service system, to the user device associated
with the telephone number, a fifth SMS message including a prompt
to provide a second password associated with the telephone number
and an account associated with the telephone number; receiving,
with the at least one processor of the service system, from the
user device associated with the telephone number, a sixth SMS
message including the second password; and verifying, with the at
least one processor of the service system, that the second password
included in the sixth SMS message corresponds to the second
password associated with the telephone number and the account
associated with the telephone number.
4. The computer-implemented method of claim 3, wherein the second
password includes a personal identification number (PIN) for the
account associated with the telephone number.
5. The computer-implemented method of claim 1, further comprising:
in response to receiving the fourth SMS message including the
selection of the option to withdraw the cash from the ATM terminal,
transmitting, with the at least one processor of the service
system, to the user device associated with the telephone number, a
fifth SMS message including a prompt to provide an amount for the
withdraw of the cash; and receiving, with the at least one
processor of the service system, from the user device associated
with the telephone number, a sixth SMS message including the amount
for the withdraw of the cash.
6. The computer-implemented method of claim 1, wherein
communicating, to the ATM terminal, the first password associated
with the telephone number and the unique identifier causes the ATM
terminal to display the first password on a display of the ATM
terminal.
7. The computer-implemented method of claim 1, wherein the third
SMS message further includes an option to view a balance of an
account.
8. A system comprising: one or more processors programmed and/or
configured to: receive, from a user device associated with a
telephone number, a first short message service (SMS) message
including a unique identifier associated with an automated teller
machine (ATM) terminal; in response to receiving the first SMS
message, communicate, to the ATM terminal, a first password
associated with the telephone number and the unique identifier;
receive, from the user device associated with the telephone number,
a second SMS message including the first password; verify that the
first password included in the second SMS message corresponds to
the first password associated with the telephone number and the
unique identifier; based on verifying the first password, transmit,
to the user device associated with the telephone number, a third
SMS message including an option to withdraw cash from the ATM
terminal; receive, from the user device associated with the
telephone number, a fourth SMS message including a selection of the
option to withdraw the cash from the ATM terminal; and communicate,
to the ATM terminal, a cash dispense command, wherein the cash
dispense command causes the ATM terminal to dispense the cash for
collection at the ATM terminal.
9. The system of claim 8, wherein the first password includes a
one-time password.
10. The system of claim 8, wherein the one or more processors are
further programmed and/or configured to: in response to verifying
the first password, and before transmitting the third SMS message:
transmit, to the user device associated with the telephone number,
a fifth SMS message including a prompt to provide a second password
associated with the telephone number and an account associated with
the telephone number; receive, from the user device associated with
the telephone number, a sixth SMS message including the second
password; and verify that the second password included in the sixth
SMS message corresponds to the second password associated with the
telephone number and the account associated with the telephone
number.
11. The system of claim 10, wherein the second password includes a
personal identification number (PIN) for the account associated
with the telephone number.
12. The system of claim 8, wherein the one or more processors are
further programmed and/or configured to: in response to receiving
the fourth SMS message including the selection of the option to
withdraw the cash from the ATM terminal, transmit, to the user
device associated with the telephone number, a fifth SMS message
including a prompt to provide an amount for the withdraw of the
cash; and receive, from the user device associated with the
telephone number, a sixth SMS message including the amount for the
withdraw of the cash.
13. The system of claim 8, wherein communication communicating, to
the ATM terminal, the first password associated with the telephone
number and the unique identifier causes the ATM terminal to display
the first password on a display of the ATM terminal.
14. The system of claim 8, wherein the third SMS message further
includes an option to view a balance of an account.
15. A computer program product comprising at least one
non-transitory computer-readable medium including program
instructions that, when executed by at least one processor, cause
the at least one processor to: receive, from a user device
associated with a telephone number, a first short message service
(SMS) message including a unique identifier associated with an
automated teller machine (ATM) terminal; in response to receiving
the first SMS message, communicate, to the ATM terminal, a first
password associated with the telephone number and the unique
identifier; receive, from the user device associated with the
telephone number, a second SMS message including the first
password; verify that the first password included in the second SMS
message corresponds to the first password associated with the
telephone number and the unique identifier; based on verifying the
first password, transmit, to the user device associated with the
telephone number, a third SMS message including an option to
withdraw cash from the ATM terminal; receive, from the user device
associated with the telephone number, a fourth SMS message
including a selection of the option to withdraw the cash from the
ATM terminal; and communicate, to the ATM terminal, a cash dispense
command, wherein the cash dispense command causes the ATM terminal
to dispense the cash for collection at the ATM terminal.
16. The computer program product of claim 15, wherein the first
password includes a one-time password.
17. The computer program product of claim 15, wherein the
instructions, when executed by the at least one processor, further
cause the at least one processor to: in response to verifying the
first password, and before transmitting the third SMS message:
transmit, to the user device associated with the telephone number,
a fifth SMS message including a prompt to provide a second password
associated with the telephone number and an account associated with
the telephone number; receive, from the user device associated with
the telephone number, a sixth SMS message including the second
password; and verify that the second password included in the sixth
SMS message corresponds to the second password associated with the
telephone number and the account associated with the telephone
number, wherein the second password includes a personal
identification number (PIN) for the account associated with the
telephone number.
18. The computer program product of claim 15, wherein the
instructions, when executed by the at least one processor, further
cause the at least one processor to: in response to receiving the
fourth SMS message including the selection of the option to
withdraw the cash from the ATM terminal, transmit, to the user
device associated with the telephone number, a fifth SMS message
including a prompt to provide an amount for the withdraw of the
cash; and receive, from the user device associated with the
telephone number, a sixth SMS message including the amount for the
withdraw of the cash.
19. The computer program product of claim 15, wherein
communicating, to the ATM terminal, the first password associated
with the telephone number and the unique identifier causes the ATM
terminal to display the first password on a display of the ATM
terminal.
20. The computer program product of claim 15, wherein the third SMS
message further includes an option to view a balance of an account.
Description
BACKGROUND
1. Field
[0001] This disclosure relates to automated teller machines (ATMs)
and, in some non-limiting embodiments or aspects, to a contactless
ATM experience using a short message service (SMS) interface.
2. Technical Considerations
[0002] The ongoing Covid-19 pandemic has made automated teller
machines (ATMs) across the world places of high risk for contacting
the virus, particularly due to the multiple touch actions needed to
perform banking operations on an ATM terminal. Even with a
so-called "contactless" debit card, touch-based keypad entries are
required for personal identification number (PIN) entry and other
operations, such as balance inquiry, cash withdrawals, and/or the
like. Therefore, there is a need for a frictionless and fully
contactless ATM solution to ensure cardholder safety and to reduce
or prevent potential health hazards.
SUMMARY
[0003] Accordingly, provided are improved systems, devices,
products, apparatus, and/or methods for providing a contactless
automated teller machine (ATM) experience to cardholders by
eliminating all touch operations at an ATM terminal, and which does
not rely on a smartphone interface with cellular data and/or
Internet connectivity. For example, a cardholder may utilize any
mobile device with short message service (SMS) messaging
capabilities to access a contactless ATM experience, as provided by
non-limiting embodiments or aspects.
[0004] According to some non-limiting embodiments or aspects,
provided is a computer-implemented method including: receiving,
from a telephone number, a first short message service (SMS)
message including a unique identifier associated with an automated
teller machine (ATM) terminal; in response to receiving the first
SMS message, communicating, to the ATM terminal, a first password
associated with the telephone number and the unique identifier;
receiving, from the telephone number, a second SMS message
including the first password; verifying that the first password
included in the second SMS message corresponds to the first
password associated with the telephone number and the unique
identifier; in response to verifying the first password,
transmitting, to the telephone number, a third SMS message
including an option to withdraw cash from the ATM terminal;
receiving, from the telephone number, a fourth SMS message
including a selection of the option to withdraw the cash from the
ATM terminal; and communicating, to the ATM terminal, a cash
dispense command, the cash dispense command causing the ATM
terminal to dispense the cash for collection at the ATM
terminal.
[0005] According to some non-limiting embodiments or aspects,
provided is a system including: one or more processors programmed
and/or configured to: receive, from a telephone number, a first
short message service (SMS) message including a unique identifier
associated with an automated teller machine (ATM) terminal; in
response to receiving the first SMS message, communicate, to the
ATM terminal, a first password associated with the telephone number
and the unique identifier; receive, from the telephone number, a
second SMS message including the first password; verify that the
first password included in the second SMS message corresponds to
the first password associated with the telephone number and the
unique identifier; in response to verifying the first password,
transmit, to the telephone number, a third SMS message including an
option to withdraw cash from the ATM terminal; receive, from the
telephone number, a fourth SMS message including a selection of the
option to withdraw the cash from the ATM terminal; and communicate,
to the ATM terminal, a cash dispense command, the cash dispense
command causing the ATM terminal to dispense the cash for
collection at the ATM terminal.
[0006] According to some non-limiting embodiments or aspects,
provided is a computer program product comprising at least one
non-transitory computer-readable medium including program
instructions that, when executed by at least one processor, cause
the at least one processor to: receive, from a telephone number, a
first short message service (SMS) message including a unique
identifier associated with an automated teller machine (ATM)
terminal; in response to receiving the first SMS message,
communicate, to the ATM terminal, a first password associated with
the telephone number and the unique identifier; receive, from the
telephone number, a second SMS message including the first
password; verify that the first password included in the second SMS
message corresponds to the first password associated with the
telephone number and the unique identifier; in response to
verifying the first password, transmit, to the telephone number, a
third SMS message including an option to withdraw cash from the ATM
terminal; receive, from the telephone number, a fourth SMS message
including a selection of the option to withdraw the cash from the
ATM terminal; and communicate, to the ATM terminal, a cash dispense
command, the cash dispense command causing the ATM terminal to
dispense the cash for collection at the ATM terminal.
[0007] Further embodiments or aspects are set forth in the
following numbered clauses:
[0008] Clause 1. A computer-implemented method comprising:
receiving, from a telephone number, a first short message service
(SMS) message including a unique identifier associated with an
automated teller machine (ATM) terminal; in response to receiving
the first SMS message, communicating, to the ATM terminal, a first
password associated with the telephone number and the unique
identifier; receiving, from the telephone number, a second SMS
message including the first password; verifying that the first
password included in the second SMS message corresponds to the
first password associated with the telephone number and the unique
identifier; in response to verifying the first password,
transmitting, to the telephone number, a third SMS message
including an option to withdraw cash from the ATM terminal;
receiving, from the telephone number, a fourth SMS message
including a selection of the option to withdraw the cash from the
ATM terminal; and communicating, to the ATM terminal, a cash
dispense command, wherein the cash dispense command causes the ATM
terminal to dispense the cash for collection at the ATM
terminal.
[0009] Clause 2. The computer-implemented method of clause 1,
wherein the first password includes a one-time password.
[0010] Clause 3. The computer-implemented method of clauses 1 or 2,
further comprising: in response to verifying the first password,
transmitting, to the telephone number, a fifth SMS message
including a prompt to provide a second password associated with the
telephone number and an account associated with the telephone
number; receiving, from the telephone number, a sixth SMS message
including the second password; verifying that the second password
included in the sixth SMS message corresponds to the second
password associated with the telephone number and the account
associated with the telephone number, wherein the third SMS message
is transmitted to the telephone number in response to verifying the
first password and the second password.
[0011] Clause 4. The computer-implemented method of any of clauses
1-3, wherein the second password includes a personal identification
number (PIN) for the account associated with the telephone
number.
[0012] Clause 5. The computer-implemented method of any of clauses
1-4, further comprising: in response to receiving the fourth SMS
message including the selection of the option to withdraw the cash
from the ATM terminal, transmitting, to the telephone number, a
fifth SMS message including a prompt to provide an amount for the
withdraw of the cash; and receiving, from the telephone number, a
sixth SMS message including the amount for the withdraw of the
cash.
[0013] Clause 6. The computer-implemented method of any of clauses
1-5, wherein communicating, to the ATM terminal, the first password
associated with the telephone number and the unique identifier
causes the ATM terminal to display the first password on a display
of the ATM terminal.
[0014] Clause 7. The computer-implemented method of any of clauses
1-6, wherein the third SMS message further includes an option to
view a balance of the account.
[0015] Clause 8. A system comprising: one or more processors
programmed and/or configured to: receive, from a telephone number,
a first short message service (SMS) message including a unique
identifier associated with an automated teller machine (ATM)
terminal; in response to receiving the first SMS message,
communicate, to the ATM terminal, a first password associated with
the telephone number and the unique identifier; receive, from the
telephone number, a second SMS message including the first
password; verify that the first password included in the second SMS
message corresponds to the first password associated with the
telephone number and the unique identifier; in response to
verifying the first password, transmit, to the telephone number, a
third SMS message including an option to withdraw cash from the ATM
terminal; receive, from the telephone number, a fourth SMS message
including a selection of the option to withdraw the cash from the
ATM terminal; and communicate, to the ATM terminal, a cash dispense
command, wherein the cash dispense command causes the ATM terminal
to dispense the cash for collection at the ATM terminal.
[0016] Clause 9. The system of clause 8, wherein the first password
includes a one-time password.
[0017] Clause 10. The system of clauses 8 or 9, wherein the one or
more processors are further programmed and/or configured to: in
response to verifying the first password, transmit, to the
telephone number, a fifth SMS message including a prompt to provide
a second password associated with the telephone number and an
account associated with the telephone number; receive, from the
telephone number, a sixth SMS message including the second
password; verify that the second password included in the sixth SMS
message corresponds to the second password associated with the
telephone number and the account associated with the telephone
number, wherein the third SMS message is transmitted to the
telephone number in response to verifying the first password and
the second password.
[0018] Clause 11. The system of any of clauses 8-10, wherein the
second password includes a personal identification number (PIN) for
the account associated with the telephone number.
[0019] Clause 12. The system of any of clauses 8-11, wherein the
one or more processors are further programmed and/or configured to:
in response to receiving the fourth SMS message including the
selection of the option to withdraw the cash from the ATM terminal,
transmit, to the telephone number, a fifth SMS message including a
prompt to provide an amount for the withdraw of the cash; and
receive, from the telephone number, a sixth SMS message including
the amount for the withdraw of the cash.
[0020] Clause 13. The system of any of clauses 8-12, wherein
communication, to the ATM terminal, the first password associated
with the telephone number and the unique identifier causes the ATM
terminal to display the first password on a display of the ATM
terminal.
[0021] Clause 14. The system of any of clauses 8-13, wherein the
third SMS message further includes an option to view a balance of
the account.
[0022] Clause 15. A computer program product comprising at least
one non-transitory computer-readable medium including program
instructions that, when executed by at least one processor, cause
the at least one processor to: receive, from a telephone number, a
first short message service (SMS) message including a unique
identifier associated with an automated teller machine (ATM)
terminal; in response to receiving the first SMS message,
communicate, to the ATM terminal, a first password associated with
the telephone number and the unique identifier; receive, from the
telephone number, a second SMS message including the first
password; verify that the first password included in the second SMS
message corresponds to the first password associated with the
telephone number and the unique identifier; in response to
verifying the first password, transmit, to the telephone number, a
third SMS message including an option to withdraw cash from the ATM
terminal; receive, from the telephone number, a fourth SMS message
including a selection of the option to withdraw the cash from the
ATM terminal; and communicate, to the ATM terminal, a cash dispense
command, wherein the cash dispense command causes the ATM terminal
to dispense the cash for collection at the ATM terminal.
[0023] Clause 16. The computer program product of clause 15,
wherein the first password includes a one-time password.
[0024] Clause 17. The computer program product of clauses 15 or 16,
wherein the instructions further cause the at least one processor
to: in response to verifying the first password, transmit, to the
telephone number, a fifth SMS message including a prompt to provide
a second password associated with the telephone number and an
account associated with the telephone number; receive, from the
telephone number, a sixth SMS message including the second
password; verify that the second password included in the sixth SMS
message corresponds to the second password associated with the
telephone number and the account associated with the telephone
number, wherein the third SMS message is transmitted to the
telephone number in response to verifying the first password and
the second password, and wherein the second password includes a
personal identification number (PIN) for the account associated
with the telephone number.
[0025] Clause 18. The computer program product of any of clauses
15-17, wherein the instructions further cause the at least one
processor to: in response to receiving the fourth SMS message
including the selection of the option to withdraw the cash from the
ATM terminal, transmit, to the telephone number, a fifth SMS
message including a prompt to provide an amount for the withdraw of
the cash; and receive, from the telephone number, a sixth SMS
message including the amount for the withdraw of the cash.
[0026] Clause 19. The computer program product of any of clauses
15-18, wherein communication, to the ATM terminal, the first
password associated with the telephone number and the unique
identifier causes the ATM terminal to display the first password on
a display of the ATM terminal.
[0027] Clause 20. The computer program product of any of clauses
15-19, wherein the third SMS message further includes an option to
view a balance of the account.
[0028] These and other features and characteristics of the present
disclosure, as well as the methods of operation and functions of
the related elements of structures and the combination of parts and
economies of manufacture, will become more apparent upon
consideration of the following description and the appended claims
with reference to the accompanying drawings, all of which form a
part of this specification, wherein like reference numerals
designate corresponding parts in the various figures. It is to be
expressly understood, however, that the drawings are for the
purpose of illustration and description only and are not intended
as a definition of limits. As used in the specification and the
claims, the singular form of "a," "an," and "the" include plural
referents unless the context clearly dictates otherwise.
BRIEF DESCRIPTION OF THE DRAWINGS
[0029] Additional advantages and details are explained in greater
detail below with reference to the exemplary embodiments that are
illustrated in the accompanying schematic figures, in which:
[0030] FIG. 1 is a diagram of non-limiting embodiments or aspects
of an environment in which systems, devices, products, apparatus,
and/or methods, described herein, may be implemented;
[0031] FIG. 2 is a diagram of non-limiting embodiments or aspects
of components of one or more devices and/or one or more systems of
FIG. 1;
[0032] FIGS. 3A and 3B are a flowchart of non-limiting embodiments
or aspects of a process for a contactless automated teller machine
(ATM) experience; and
[0033] FIGS. 4A-4E are diagrams of an implementation of
non-limiting embodiments or aspects of a process for a contactless
ATM experience.
DESCRIPTION
[0034] It is to be understood that the present disclosure may
assume various alternative variations and step sequences, except
where expressly specified to the contrary. It is also to be
understood that the specific devices and processes illustrated in
the attached drawings, and described in the following
specification, are simply exemplary and non-limiting embodiments or
aspects. Hence, specific dimensions and other physical
characteristics related to the embodiments or aspects disclosed
herein are not to be considered as limiting.
[0035] No aspect, component, element, structure, act, step,
function, instruction, and/or the like used herein should be
construed as critical or essential unless explicitly described as
such. Also, as used herein, the articles "a" and "an" are intended
to include one or more items, and may be used interchangeably with
"one or more" and "at least one." Furthermore, as used herein, the
term "set" is intended to include one or more items (e.g., related
items, unrelated items, a combination of related and unrelated
items, etc.) and may be used interchangeably with "one or more" or
"at least one." Where only one item is intended, the term "one" or
similar language is used. Also, as used herein, the terms "has,"
"have," "having," or the like are intended to be open-ended terms.
Further, the phrase "based on" is intended to mean "based at least
partially on" unless explicitly stated otherwise.
[0036] As used herein, the term "communication" may refer to the
reception, receipt, transmission, transfer, provision, and/or the
like, of data (e.g., information, signals, messages, instructions,
commands, and/or the like). For one unit (e.g., a device, a system,
a component of a device or system, combinations thereof, and/or the
like) to be in communication with another unit means that the one
unit is able to directly or indirectly receive information from
and/or transmit information to the other unit. This may refer to a
direct or indirect connection (e.g., a direct communication
connection, an indirect communication connection, and/or the like)
that is wired and/or wireless in nature. Additionally, two units
may be in communication with each other even though the information
transmitted may be modified, processed, relayed, and/or routed
between the first and second unit. For example, a first unit may be
in communication with a second unit even though the first unit
passively receives information and does not actively transmit
information to the second unit. As another example, a first unit
may be in communication with a second unit if at least one
intermediary unit processes information received from the first
unit and communicates the processed information to the second
unit.
[0037] It will be apparent that systems and/or methods, described
herein, can be implemented in different forms of hardware,
software, or a combination of hardware and software. The actual
specialized control hardware or software code used to implement
these systems and/or methods is not limiting of the
implementations. Thus, the operation and behavior of the systems
and/or methods are described herein without reference to specific
software code, it being understood that software and hardware can
be designed to implement the systems and/or methods based on the
description herein.
[0038] Some non-limiting embodiments or aspects are described
herein in connection with thresholds. As used herein, satisfying a
threshold may refer to a value being greater than the threshold,
more than the threshold, higher than the threshold, greater than or
equal to the threshold, less than the threshold, fewer than the
threshold, lower than the threshold, less than or equal to the
threshold, equal to the threshold, etc.
[0039] As used herein, the term "transaction service provider" may
refer to an entity that receives transaction authorization requests
from merchants or other entities and provides guarantees of
payment, in some cases through an agreement between the transaction
service provider and an issuer institution. For example, a
transaction service provider may include a payment network such as
Visa.RTM. or any other entity that processes transactions. The term
"transaction processing system" may refer to one or more computing
devices operated by or on behalf of a transaction service provider,
such as a transaction processing server executing one or more
software applications. A transaction processing system may include
one or more processors and, in some non-limiting embodiments, may
be operated by or on behalf of a transaction service provider.
[0040] As used herein, the term "account identifier" may include
one or more primary account numbers (PANs), tokens, or other
identifiers associated with a customer account. The term "token"
may refer to an identifier that is used as a substitute or
replacement identifier for an original account identifier, such as
a PAN. Account identifiers may be alphanumeric or any combination
of characters and/or symbols. Tokens may be associated with a PAN
or other original account identifier in one or more data structures
(e.g., one or more databases and/or the like) such that they may be
used to conduct a transaction without directly using the original
account identifier. In some examples, an original account
identifier, such as a PAN, may be associated with a plurality of
tokens for different individuals or purposes.
[0041] As used herein, the terms "issuer institution," "portable
financial device issuer," "issuer," or "issuer bank" may refer to
one or more entities that provide one or more accounts to a user
(e.g., a customer, a consumer, an entity, an organization, and/or
the like) for conducting transactions (e.g., payment transactions),
such as initiating credit card payment transactions and/or debit
card payment transactions. For example, an issuer institution may
provide an account identifier, such as a PAN, to a user that
uniquely identifies one or more accounts associated with that user.
The account identifier may be embodied on a portable financial
device, such as a physical financial instrument (e.g., a payment
card), and/or may be electronic and used for electronic payments.
In some non-limiting embodiments or aspects, an issuer institution
may be associated with a bank identification number (BIN) that
uniquely identifies the issuer institution. As used herein "issuer
institution system" may refer to one or more computer systems
operated by or on behalf of an issuer institution, such as a server
computer executing one or more software applications. For example,
an issuer institution system may include one or more authorization
servers for authorizing a payment transaction.
[0042] As used herein, the term "mobile device" may refer to one or
more portable electronic devices configured to communicate with one
or more networks. As an example, a mobile device may include a
cellular phone (e.g., a smartphone or standard cellular phone), a
portable computer (e.g., a tablet computer, a laptop computer,
etc.), a wearable device (e.g., a watch, pair of glasses, lens,
clothing, and/or the like), a personal digital assistant (PDA),
and/or other like devices. The terms "client device" and "user
device," as used herein, refer to any electronic device that is
configured to communicate with one or more servers or remote
devices and/or systems. A client device or user device may include
a mobile device, a network-enabled appliance (e.g., a
network-enabled television, refrigerator, thermostat, and/or the
like), a computer, a POS system, and/or any other device or system
capable of communicating with a network.
[0043] As used herein, the term "computing device" may refer to one
or more electronic devices configured to process data. A computing
device may, in some examples, include the necessary components to
receive, process, and output data, such as a processor, a display,
a memory, an input device, a network interface, and/or the like. A
computing device may be a mobile device. As an example, a mobile
device may include a cellular phone (e.g., a smartphone or standard
cellular phone), a portable computer, a wearable device (e.g.,
watches, glasses, lenses, clothing, and/or the like), a PDA, and/or
other like devices. A computing device may also be a desktop
computer or other form of non-mobile computer.
[0044] As used herein, the term "payment device" may refer to a
portable financial device, an electronic payment device, a payment
card (e.g., a credit or debit card), a gift card, a smartcard,
smart media, a payroll card, a healthcare card, a wristband, a
machine-readable medium containing account information, a keychain
device or fob, an radio frequency identification device (RFID)
transponder, a retailer discount or loyalty card, a cellular phone,
an electronic wallet mobile application, a PDA, a pager, a security
card, a computer, an access card, a wireless terminal, a
transponder, and/or the like. In some non-limiting embodiments or
aspects, the payment device may include volatile or nonvolatile
memory to store information (e.g., an account identifier, a name of
the account holder, and/or the like).
[0045] As used herein, the term "server" and/or "processor" may
refer to or include one or more computing devices that are operated
by or facilitate communication and processing for multiple parties
in a network environment, such as the Internet, although it will be
appreciated that communication may be facilitated over one or more
public or private network environments and that various other
arrangements are possible. Further, multiple computing devices
(e.g., servers, POS devices, mobile devices, etc.) directly or
indirectly communicating in the network environment may constitute
a "system." Reference to "a server" or "a processor," as used
herein, may refer to a previously-recited server and/or processor
that is recited as performing a previous step or function, a
different server and/or processor, and/or a combination of servers
and/or processors. For example, as used in the specification and
the claims, a first server and/or a first processor that is recited
as performing a first step or function may refer to the same or
different server and/or a processor recited as performing a second
step or function.
[0046] As used herein, the term "application programming interface"
(API) may refer to computer code that allows communication between
different systems or (hardware and/or software) components of
systems. For example, an API may include function calls, functions,
subroutines, communication protocols, fields, and/or the like
usable and/or accessible by other systems or other (hardware and/or
software) components of systems.
[0047] As used herein, the term "user interface" or "graphical user
interface" may refer to a generated display, such as one or more
graphical user interfaces (GUIs) with which a user may interact,
either directly or indirectly (e.g., through a keyboard, mouse,
touchscreen, etc.).
[0048] Non-limiting embodiments or aspects of the present
disclosure provide for systems, methods, and computer program
products that receive, from a telephone number, a first short
message service (SMS) message including a unique identifier
associated with an automated teller machine (ATM) terminal; in
response to receiving the first SMS message, communicate, to the
ATM terminal, a first password associated with the telephone number
and the unique identifier; receive, from the telephone number, a
second SMS message including the first password; verify that the
first password included in the second SMS message corresponds to
the first password associated with the telephone number and the
unique identifier; in response to verifying the first password,
transmit, to the telephone number, a third SMS message including an
option to withdraw cash from the ATM terminal; receive, from the
telephone number, a fourth SMS message including a selection of the
option to withdraw the cash from the ATM terminal; and communicate,
to the ATM terminal, a cash dispense command, wherein the cash
dispense command causes the ATM terminal to dispense the cash for
collection at the ATM terminal.
[0049] In this way, non-limiting embodiments or aspects of the
present disclosure provide for a fully contactless ATM experience
in which: (i) a cardholder need not physically touch or interact
with the ATM terminal to receive cash, which may be sanitary
because it has been stored in the ATM machine and/or disinfected;
(ii) an application (e.g., a separate bank specific application for
each bank or issuer, etc.) (and/or application server therefor) and
a smartphone interface with cellular data and/or Internet
connectivity is not needed to access the ATM (e.g., a cardholder
may utilize any mobile device with SMS messaging capabilities to
withdraw cash from any bank and/or issuer, etc.), thereby providing
contactless ATM access to more cardholders, faster processing of
contactless ATM transactions, and direct authorization thereof
without the use of a mobile application wallet server; and (iii) an
ATM is accessed and/or used to dispense cash without the ATM itself
receiving or having knowledge of an account number and/or a PIN for
the account, thereby improving the security of the contactless ATM
access.
[0050] Referring now to FIG. 1, FIG. 1 is a diagram of an example
environment 100 in which devices, systems, methods, and/or products
described herein, may be implemented. As shown in FIG. 1,
environment 100 may include service system 102, ATM terminal 104,
user device 106, issuer system 108, and/or communication network
110. Service system 102, ATM terminal 104, user device 106, and/or
issuer system 108 may interconnect (e.g., establish a connection to
communicate, etc.) via wired connections, wireless connections, or
a combination of wired and wireless connections.
[0051] Service system 102 may include one or more devices capable
of receiving information and/or data from ATM terminal 104, user
device 106, and/or issuer system 108 via communication network 110
and/or communicating information and/or data to ATM terminal 104,
user device 106, and/or issuer system 108 via communication network
110. For example, service system 102 may include a computing
device, such as a server, a group of servers, a client device, a
group of client devices, and/or other like devices. In some
non-limiting embodiments or aspects, service system 102 may be
associated with a transaction service provider as described herein.
In some non-limiting embodiments or aspects, service system 102 may
include one or more communication devices capable of SMS-based
communications with user device 106. For example, service system
102 may be associated with a published SMS service number or
telephone number via which service system 102 can receive and/or
transmit SMS messages.
[0052] ATM terminal 104 may include one or more devices capable of
receiving information and/or data from service system 102, user
device 106, and/or issuer system 108 via communication network 110
and/or communicating information and/or data to service system 102,
user device 106, and/or issuer system 108 via communication network
110. For example, ATM terminal 104 may include a computing device,
such as a server, a group of servers, a client device, a group of
client devices, and/or other like devices. ATM terminal 104 may
include components to dispense cash under certain conditions as
described herein in more detail.
[0053] User device 106 may include one or more devices capable of
receiving information and/or data from service system 102, ATM
terminal 104, and/or issuer system 108 via communication network
110 and/or communicating information and/or data to service system
102, ATM terminal 104, and/or issuer system 108 via communication
network 110. For example, user device 106 may include a client
device and/or the like. In some non-limiting embodiments or
aspects, user device 106 may include one or more communication
devices capable of SMS-based communications with service system
102. For example, user device 106 may be associated with a
telephone number via which user device 102 can receive and/or
transmit SMS messages.
[0054] Communication network 110 may include one or more wired
and/or wireless networks. For example, communication network 110
may include a cellular network (e.g., a long-term evolution (LTE)
network, a third generation (3G) network, a fourth generation (4G)
network, a fifth generation (5G) network a code division multiple
access (CDMA) network, etc.), a public land mobile network (PLMN),
a local area network (LAN), a wide area network (WAN), a
metropolitan area network (MAN), a telephone network (e.g., the
public switched telephone network (PSTN)), a private network, an ad
hoc network, an intranet, the Internet, a fiber optic-based
network, a cloud computing network, and/or the like, and/or a
combination of these or other types of networks.
[0055] The number and arrangement of devices and systems shown in
FIG. 1 is provided as an example. There may be additional devices
and/or systems, fewer devices and/or systems, different devices
and/or systems, or differently arranged devices and/or systems than
those shown in FIG. 1. Furthermore, two or more devices and/or
systems shown in FIG. 1 may be implemented within a single device
and/or system, or a single device and/or system shown in FIG. 1 may
be implemented as multiple, distributed devices and/or systems.
Additionally or alternatively, a set of devices and/or systems
(e.g., one or more devices or systems) of environment 100 may
perform one or more functions described as being performed by
another set of devices and/or systems of environment 100.
[0056] Referring now to FIG. 2, FIG. 2 is a diagram of example
components of a device 200. Device 200 may correspond to one or
more devices of service system 102, ATM terminal 104 (e.g., one or
more devices of a system of ATM terminal 104, etc.), user device
106 (e.g., one or more devices of a system of user device 106,
etc.), and/or one or more devices of issuer system 108. In some
non-limiting embodiments or aspects, one or more devices of service
system 102, ATM terminal 104 (e.g., one or more devices of a system
of ATM terminal 104, etc.), user device 106 (e.g., one or more
devices of a system of user device 106, etc.), and/or one or more
devices of issuer system 108 may include at least one device 200
and/or at least one component of device 200. As shown in FIG. 2,
device 200 may include bus 202, processor 204, memory 206, storage
component 208, input component 210, output component 212, and
communication interface 214.
[0057] Bus 202 may include a component that permits communication
among the components of device 200. In some non-limiting
embodiments or aspects, processor 204 may be implemented in
hardware, software, or a combination of hardware and software. For
example, processor 204 may include a processor (e.g., a central
processing unit (CPU), a graphics processing unit (GPU), an
accelerated processing unit (APU), etc.), a microprocessor, a
digital signal processor (DSP), and/or any processing component
(e.g., a field-programmable gate array (FPGA), an
application-specific integrated circuit (ASIC), etc.) that can be
programmed to perform a function. Memory 206 may include random
access memory (RAM), read-only memory (ROM), and/or another type of
dynamic or static storage device (e.g., flash memory, magnetic
memory, optical memory, etc.) that stores information and/or
instructions for use by processor 204.
[0058] Storage component 208 may store information and/or software
related to the operation and use of device 200. For example,
storage component 208 may include a hard disk (e.g., a magnetic
disk, an optical disk, a magneto-optic disk, a solid state disk,
etc.), a compact disc (CD), a digital versatile disc (DVD), a
floppy disk, a cartridge, a magnetic tape, and/or another type of
computer-readable medium, along with a corresponding drive.
[0059] Input component 210 may include a component that permits
device 200 to receive information, such as via user input (e.g., a
touch screen display, a keyboard, a keypad, a mouse, a button, a
switch, a microphone, etc.). Additionally or alternatively, input
component 210 may include a sensor for sensing information (e.g., a
global positioning system (GPS) component, an accelerometer, a
gyroscope, an actuator, etc.). Output component 212 may include a
component that provides output information from device 200 (e.g., a
display, a speaker, one or more light-emitting diodes (LEDs),
etc.).
[0060] Communication interface 214 may include a transceiver-like
component (e.g., a transceiver, a separate receiver and
transmitter, etc.) that enables device 200 to communicate with
other devices, such as via a wired connection, a wireless
connection, or a combination of wired and wireless connections.
Communication interface 214 may permit device 200 to receive
information from another device and/or provide information to
another device. For example, communication interface 214 may
include an Ethernet interface, an optical interface, a coaxial
interface, an infrared interface, a radio frequency (RF) interface,
a universal serial bus (USB) interface, a Wi-Fi.RTM. interface, a
cellular network interface, and/or the like.
[0061] Device 200 may perform one or more processes described
herein. Device 200 may perform these processes based on processor
204 executing software instructions stored by a computer-readable
medium, such as memory 206 and/or storage component 208. A
computer-readable medium (e.g., a non-transitory computer-readable
medium) is defined herein as a non-transitory memory device. A
memory device includes memory space located inside of a single
physical storage device or memory space spread across multiple
physical storage devices.
[0062] Software instructions may be read into memory 206 and/or
storage component 208 from another computer-readable medium or from
another device via communication interface 214. When executed,
software instructions stored in memory 206 and/or storage component
208 may cause processor 204 to perform one or more processes
described herein. Additionally or alternatively, hardwired
circuitry may be used in place of or in combination with software
instructions to perform one or more processes described herein.
Thus, embodiments or aspects described herein are not limited to
any specific combination of hardware circuitry and software.
[0063] Memory 206 and/or storage component 208 may include data
storage or one or more data structures (e.g., a database, etc.).
Device 200 may be capable of receiving information from, storing
information in, communicating information to, or searching
information stored in the data storage or one or more data
structures in memory 206 and/or storage component 208.
[0064] The number and arrangement of components shown in FIG. 2 are
provided as an example. In some non-limiting embodiments or
aspects, device 200 may include additional components, fewer
components, different components, or differently arranged
components than those shown in FIG. 2. Additionally or
alternatively, a set of components (e.g., one or more components)
of device 200 may perform one or more functions described as being
performed by another set of components of device 200.
[0065] Referring now to FIGS. 3A and 3B, FIGS. 3A and 3B are a
flowchart of non-limiting embodiments or aspects of a process 300
for a contactless ATM experience. In some non-limiting embodiments
or aspects, one or more of the steps of process 300 may be
performed (e.g., completely, partially, etc.) by service system 102
(e.g., one or more devices of service system 102, etc.). In some
non-limiting embodiments or aspects, one or more of the steps of
process 300 may be performed (e.g., completely, partially, etc.) by
another device or a group of devices separate from or including
service system 102, such as, ATM terminal 104 (e.g., one or more
devices of a system of ATM terminal 104, etc.), user device 106
(e.g., one or more devices of a system of user device 106, etc.),
and/or issuer system 108 (e.g., one or more devices of issuer
system 108, etc.).
[0066] As shown in FIG. 3A, at step 302, process 300 includes
receiving an SMS message including a unique identifier associated
with an ATM terminal. For example, service system 102 may receive,
from a telephone number, a first SMS message including a unique
identifier associated with ATM terminal 104. As an example, a user
or cardholder may identify an ATM terminal via a registered ATM
Terminal Identification Number (TID), which may be physically
displayed in print on ATM terminal 104. In such an example, the
cardholder may use user device 106 to send an SMS message including
the TID to another telephone number associated with service system
102 (e.g., to published SMS service number for service system 102
that allows cardholders to exchange SMS text messages with an
automated service, etc.).
[0067] In some non-limiting embodiments or aspects, service system
102 may verify that the telephone number from which the first SMS
message is received is associated with an account that can be used
at ATM terminal 104. In such an example, if the telephone number
from which the first SMS message is received is associated with
more than one account that can be used at ATM terminal 104, service
system 102 may transmit an SMS message to the telephone number
including a prompt to select one of the accounts for use at ATM
terminal 104.
[0068] As shown in FIG. 3A, at step 304, process 300 may include
communicating a first password to the ATM terminal. For example,
service system 102 may, in response to receiving the first SMS
message, communicate, to the ATM terminal, a first password
associated with the telephone number and the unique identifier. As
an example, the first password may include a one-time password
(OTP). In such an example, communicating, to the ATM terminal, the
first password associated with the telephone number and the unique
identifier may cause the ATM terminal to display the first password
on a display of the ATM terminal. For example, the OTP may be
displayed on the ATM terminal such that it can be read by a person
standing adjacent to the ATM terminal without that person
physically interacting with the ATM terminal (e.g., via actuating
buttons or a touchscreen, etc.).
[0069] In some non-limiting embodiments or aspects, service system
102 may verify that the unique identifier received in the first SMS
message is associated with an ATM terminal and, in response to
verifying that the unique identifier is associated with the ATM
terminal, automatically generate and communicate the OTP to the ATM
terminal.
[0070] In some non-limiting embodiments or aspects, service system
102 may transmit an SMS message to the telephone number (e.g., to a
telephone number associated with an account of the cardholder, to
the telephone number from which the first SMS message is received,
etc.) including a prompt to enter the OTP displayed on the ATM
terminal.
[0071] As shown in FIG. 3A, at step 306, process 300 may include
receiving an SMS message including the first password. For example,
service system 102 may receive, from the telephone number, a second
SMS message including the first password. As an example, the
cardholder may use user device 106 to send an SMS message including
the first password to the another telephone number associated with
service system 102.
[0072] As shown in FIG. 3A, at step 308, processor 300 may include
verifying the first password. For example, service system 102 may
verify that the first password included in the second SMS message
corresponds to the first password associated with the telephone
number and the unique identifier. As an example, service system 102
may compare the first password included in the second SMS message
corresponding to the first password associated with the telephone
number and the unique identifier and, if they match, verify the
first password.
[0073] As shown in FIG. 3A, at step 310, process 300 may include
transmitting an SMS message including a prompt to provide a second
password. For example, service system 102 may, in response to
verifying the first password, transmit, to the telephone number, an
SMS message including a prompt to provide a second password
associated with the telephone number and an account associated with
the telephone number. As an example, the second password may
include a personal identification number (PIN) for the account
associated with the telephone number.
[0074] As shown in FIG. 3A, at step 312, process 300 may include
receiving an SMS message including the second password. For
example, service system 102 may receive, from the telephone number,
an SMS message including the second password. As an example, the
cardholder may use user device 106 to send an SMS message including
the PIN to the another telephone number associated with service
system 102.
[0075] As shown in FIG. 3B, at step 314, process 300 may include
verifying the second password. For example, service system 102 may
verify that the second password included in the SMS message
corresponds to the second password associated with the telephone
number and the account associated with the telephone number. As an
example, service system 102 may compare the second password
included in the SMS message corresponding to the second password
associated with the telephone number and the account associated
with the telephone number and, if they match, verify the second
password. In such an example, the PIN may be verified as part of a
two-step authentication process including the OTP and the PIN.
[0076] Although described as being sent via separate SMS messages,
in some non-limiting embodiments or aspects, the PIN may be
included in the same SMS message used to transmit the OTP to
service system 102.
[0077] As shown in FIG. 3B, at step 316, process 300 may include
transmitting an SMS message including an option to withdraw cash
from the ATM terminal. For example, service system 102 may
transmit, to the telephone number, in response to verifying the
first password and/or the second password, a third SMS message
including an option to withdraw cash from the ATM terminal. In some
non-limiting embodiments or aspects, the third SMS message may
further include an option to view a balance of the account and/or
an option to terminate the communication session with service
system 102.
[0078] As shown in FIG. 3B, at step 318, process 300 may include
receiving an SMS message including a selection of the option to
withdraw cash. For example, service system 102 may receive, from
the telephone number, a fourth SMS message including a selection of
the option to withdraw the cash from the ATM terminal. In this way,
the cardholder may utilize any user device 106 that has SMS
messaging capabilities to access ATM terminal 104 without ATM
terminal 104 needing to be modified to communicate with a mobile
application and/or a mobile application server. For example,
hardware and/or software for service system 102 (e.g., a
transaction service provider system, etc.) to communicate with
and/or control ATM terminal 104 is already in place, and new
communications and/or a mobile application server need not be setup
to provide ATM access.
[0079] As shown in FIG. 3B, at step 320, process 300 may include
transmitting an SMS message including a prompt to provide an amount
for the cash withdrawal. For example, service system 102 may, in
response to receiving the fourth SMS message including the
selection of the option to withdraw the cash from the ATM terminal,
transmit, to the telephone number, an SMS message including a
prompt to provide an amount for the withdraw of the cash.
[0080] As shown in FIG. 3B, at step 322, process 300 may include
receiving an SMS message including the amount for the cash
withdrawal. For example, service system 102 may receive, from the
telephone number, an SMS message including the amount for the
withdraw of the cash.
[0081] Although described as being sent via separate SMS messages,
in some non-limiting embodiments or aspects, the amount for the
cash withdrawal may be included in the same SMS message used to
transmit the selection of the option to withdraw the cash to
service system 102.
[0082] As shown in FIG. 3B, at step 324, process 300 may include
communicating a cash dispense command to the ATM terminal. For
example, service system 102 may communicate, to the ATM terminal, a
cash dispense command. As an example, the cash dispense command may
cause the ATM terminal to dispense the cash for collection at the
ATM terminal. In this way, service system 102 may send the cash
dispense command to the ATM terminal to dispense the cash for
collection at the ATM terminal without the ATM terminal itself
receiving or having knowledge of the account number (e.g., PAN,
etc.) and/or the PIN number for the account, thereby improving the
security of ATM access.
[0083] Referring now to FIGS. 4A-4E, FIGS. 4A-4E are diagrams of an
overview of a non-limiting embodiment or aspect of an
implementation 400 relating to a process for a contactless ATM
experience. As shown in FIGS. 4A-4E, implementation 400 includes
service system 402, ATM terminal 404, and user device 406. In some
non-limiting embodiments or aspects, service system 402 can be the
same as or similar to service system 102. In some non-limiting
embodiments or aspects, ATM terminal 404 can be the same as or
similar to ATM terminal 104. In some non-limiting embodiments or
aspects, user device 406 can be the same as or similar to user
device 106.
[0084] As shown by reference number S450 in FIG. 4A, service system
402 receives, from a telephone number, a first SMS message, sent
via user device 406, including a TID associated with an ATM
terminal.
[0085] As shown by reference number S455 in FIG. 4B, service system
402, in response to receiving the first SMS message including the
TID, communicates to ATM terminal 404 associated with the TID, a
OTP associated with the telephone number and the unique identifier,
which causes ATM terminal 404 to display the OTP on a display of
ATM terminal 404.
[0086] As shown by reference number S460 in FIG. 4C, service system
402 receives, from the telephone number, a second SMS message, sent
via user device 406, including the OTP.
[0087] As shown by reference number S465 in FIG. 4C, service system
402 verifies that the OTP included in the second SMS message
corresponds to the first password OTP associated with the telephone
number and the unique identifier.
[0088] As shown by reference number S470 in FIG. 4D, service system
402, in response to verifying the OTP, transmits, to the telephone
number, a third SMS message including an option to withdraw cash
from ATM terminal 404 associated with the TI D.
[0089] As shown by reference number S475 in FIG. 4E, service system
402 receives, from the telephone number, a fourth SMS message, sent
via user device 406, including a selection of the option to
withdraw the cash from ATM terminal 404.
[0090] As shown by reference number S480 in FIG. 4E, service system
402 communicates, to ATM terminal 404, a cash dispense command
which causes ATM terminal 404 to dispense the cash for collection
at ATM terminal 404.
[0091] Although embodiments or aspects have been described in
detail for the purpose of illustration and description, it is to be
understood that such detail is solely for that purpose and that
embodiments or aspects are not limited to the disclosed embodiments
or aspects, but, on the contrary, are intended to cover
modifications and equivalent arrangements that are within the
spirit and scope of the appended claims. For example, it is to be
understood that the present disclosure contemplates that, to the
extent possible, one or more features of any embodiment or aspect
can be combined with one or more features of any other embodiment
or aspect. In fact, any of these features can be combined in ways
not specifically recited in the claims and/or disclosed in the
specification. Although each dependent claim listed below may
directly depend on only one claim, the disclosure of possible
implementations includes each dependent claim in combination with
every other claim in the claim set.
* * * * *